Essex County and Andover Town property record for 88 Summer St, Andover, MA 01810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,425 sqft · built 1942 |
| Lot Size | 0.317 acres (13,830 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $11,839 (2025) |
| Deeds & Mortgages | Dec 2021 Transfer Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | ANDO M:00021 B:00188 L:00000 |
| Primary APN | ANDO M:00021 B:00188 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,425 sqft Living Area |
| Gross Area | 4,126 sqft |
| Basement Area | 1,400 sqft |
| Unfinished Basement | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,830 sqft (0.317 acres) |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 88 SUMMER ST |
|---|---|
| City | ANDOVER |
| State | MA |
| Zip | 01810-1826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRA |
| Legal Block | 188 |
| Jurisdiction | ANDOVER MA |
| Township / Civil Division | ANDOVER |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 254200 |
88 Summer St is owner-occupied and held in a trust.
Source: Essex County and Andover Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 88 SUMMER ST, ANDOVER, MA 01810-1826 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 30, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Dec 1, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANDOVER MA |
| Recording Date | Dec 30, 2021 |
| Property Address | 88 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Number | 017294-206 |
| Book / Page | 17294 / 206 |
| Instrument Date | Dec 13, 2021 |
| Instrument | 42291 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 88 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANDOVER MA |
| Property Address | 88 SUMMER ST, ANDOVER, MA 01810-1826 |
| Document Number | 15325-103 |
| Instrument Date | Dec 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Name | Verified Name |
|---|
| Document Number | 15325-103 |
|---|---|
| Date | Dec 8, 2017 |
| Book Page | 015325/000103 |
| Instrument | 32221 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 7, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 88 Summer St was $11,839, up 6.3% from the year before.
Source: Essex County and Andover Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Andover Town |
| Unified School District | Andover School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,839.00 (+6.28%) | $947,900 (+9.61%) Land $536,900 Building $411,000 | $974,225 |
| 2024 | $11,139.00 (+4.6%) | $864,800 (+10.93%) Land $491,900 Building $372,900 | |
| 2023 | $10,649.00 | $779,600 Land $443,100 Building $336,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 88 Summer St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 88 Summer St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ANDOVER WATER DEPT serves 36,569 people · EPA ID MA3009000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line replacement currently in violation since Nov 2021 Corrosion control Jan 2022 |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures